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46

Platinum Elite

Lake Trust Credit Union

NationalFixed rateCredit score 620–719
Issuer site ↗
Purchase APR
—
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered—
Median—
Highest offered—

Cash advance APR

No score
18.40%
≤619
22.40%
620–719
18.40%
720+
15.40%
Lowest offered14.90%
Median—
Highest offered22.40%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$35
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$25
Sales Draft Copy Fee$5
Card Personalization Fee$5
Rush Fee$30
Statement Copy Fee$2

Rewards, benefits and features

Rewards

None reported

Services
  • Automobile rental insurance
  • Extension on manufacturer’s warranty
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementOther. Please Describe:

Geographic: • Any person who lives, works, worships or attends school in the State of Michigan. • Retirees of legal entities which are located in the counties that comprise the State of Michigan. • Any legal entity that is comprised for the most part of the same gene

Phone8882677200
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry

This issuer did not report a purchase APR.

Cardholder agreements

15 documents filed by Lake Trust Credit Union in the 2026 Q1 archive.

All 15 agreements

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